Investment Property Portfolio Insurance for Real Estate Investors

We offer a simplified approach to insuring investor property portfolios. Our investor property program offers a package policy that includes both Property and General Liability coverage.

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Business owners: Contact your insurance agent or broker

Insurance agents

Call a specialist now 866-329-2193

Appetite

This package program is ideal for mid- to large-size property managers, family offices and trusts, and individual and corporate real estate investors.

Geography

  • Nationwide

Ineligible risks

  • Structures with greater than four units per building
  • Commercial retail, manufacturing and warehouse operations
  • Any property on barrier islands, with or without wind
  • Wood shake/shingle and T-lock roofs
  • Vacation rentals (e.g., Airbnb) and home sharing
  • No Section 8, HUD, subsidized or student housing

Coverage offered

  • Property and General Liability
  • Monoline Property
  • Wind/Hail
  • Flood
  • Earthquake
  • Forms for a submission are available upon request for contact from the Program Administrator.
  • Additional information required regarding private protection, sprinklers and alarms at the locations.
  • Property: $10 million per location; higher limits available with referral.
  • General Liability: $1 million/$2 million; higher limits available with referral.
  • Minimum premium: $2,500.
  • Minimum deductible: varies.
  • Investment properties of one- to four-unit family dwellings.
  • Other operations should be incidental to each account.
  • Non-admitted

Frequently Asked Questions

What is real estate investor insurance?

Real estate investor insurance is coverage designed to protect property managers, family offices and trusts, and individual and corporate real estate investors. Sometimes called “landlord insurance,” investment property insurance can be applied to different types of owned rental properties. Zurich’s Investment Property Portfolio Insurance for Real Estate Investors program takes a simplified approach to insuring investor property portfolios. Please see our risk appetite details and coverages available above.

What type of insurance is needed for a residential investment property?

Residential investment properties may require unique kinds of protection compared to commercial or non-investment properties. Family rental dwellings have specific risk-management challenges that owners and managers need to be aware of as they look to shield their investment from potential exposures. For example, a residential investment property may have added risks if the renters begin running a home office for their business out of the location. Needed improvements and other factors can also impact investment property insurance cost and scope. Whether you are acquiring multiple residential rental properties or simply looking out for one valuable building, getting a full view of the risk landscape is vital in protecting your investment.

Zurich’s Program Administrator brings a wealth of experience in diverse Property coverages to helping meet the needs of customers with dynamic portfolios and risk characteristics. We can provide investment property building insurance solutions to investors nationwide. As one of the leading writers of programs in the United States, we bring long-term stability, experience and professionalism to the evolving insurance program marketplace.

What are some key features of Zurich's Investor Property program?

Our real estate investor insurance is available nationwide and includes a range of coverages landlords need to help protect their business from risks associated with owning rental properties (see coverages above). Our Scheduled Properties option allows property investors with multiple properties coverage via a single policy, and with flexible deductibles, our Program Administrator can help customers find the right fit to align their risk-mitigation with their operational budgets.

What type of property is not covered under real estate investor insurance?

Zurich’s investment property insurance does not cover structures with greater than four units per building; commercial retail, manufacturing, and warehouse operations; any property on barrier islands, with or without wind; wood shake/shingle and T-lock roofs; vacation rentals (e.g., Airbnb) and home sharing; and schedules with significant Section 8, HUD, subsidized or student housing